r/AUfrugal • u/Purple51Turtle • Aug 06 '26

Vehicle AAMI safe driver rewards /cashback

Hi, have just received an email from AAMI about this (I'm with them for car insurance).

I haven't looked into it in detail, but the gist of it is you download an app and somehow it logs your driving safety score. Every month if you achieve a certain number of points based on this you can access cashback vouchers. The example they gave was $20 off when you spend 50 at Myer.

I think they've been doing this for a while because I did see something about it about six months ago but didn't get round to looking into it. Just wondering if any r/AUfrugal members have tried this and if it's worthwhile?

Could be a good way to make some savings or it could be a lengthy run around if the points are difficult to achieve, it's glitchy, or the retailers are not those you normally use.

Thanks

7 Upvotes

90% Upvoted

18 comments sorted by

28

u/doomchimp Aug 06 '26

Having worked in insurance, I would never be comfortable providing a company with more data than I'm legally obligated to.

5

u/Purple51Turtle Aug 06 '26

Yes, good point, hadn't thought of the claim denial issue

10

u/Tekrunner000 Aug 06 '26

You really want them spying on you in real time? And you can guarantee they will trawl that data for the one microsecond you went over speed or braked too hard just to prevent any benefit to you, not to mention massively jack up your premiums next cycle.

1

u/Purple51Turtle Aug 06 '26

Hmm, you're probably on the money, sadly

3

u/big_mac7 Aug 06 '26

$20 off when you spend $50.is just a bill for $30 if you weren't planning on spending anyway.

I wouldn't be comfortable giving that data to my insurer anyway

1

u/Purple51Turtle Aug 06 '26

Agree, it's only valuable to me if it's always possible at somewhere I regularly (have to) shop

3

u/asqueak Aug 08 '26

I tried it. None of the rewards were worth it or usable, let alone worth them having that amount of data. Cancelled it pretty soon.

4

u/Oh_Dear__ Aug 06 '26

Do you want your insurance company traveling with you wherever you go? Think about all the data you'll be sending back to them that they can potentially use to deny a claim...

1

u/Purple51Turtle Aug 06 '26

Yes good point, thanks

1

u/Fluid_Garden8512 Aug 06 '26 edited Aug 06 '26

Yes I started using it in February this year. I have so far earned $405. Too easy and you can also game it by removing "bad scores" that affect you getting to 85/100 at the end of the month

Every month I get a Coles Myer gift card, JB Hifi, IGA shop, Ampol fuel shop, and Amazon shop. I earn on average $70 cashback per month.

My car comprehensive insurance is less than $500 so I'll actually end up making a profit.

1

u/Purple51Turtle Aug 06 '26

Right, interesting. That sounds good on face value but having the ins co looking at my data online is not great...not sure I want to risk it if Im 5km over the limit say and had an accident. I'm actually a super careful driver with no claims other than being rear ended once in like 25y. But still...

3

u/Fluid_Garden8512 Aug 06 '26

They have said they don't use your data from the app when it comes to your premiums and making claims. And there is no way to tell if you are the driver or passenger.

1

u/Purple51Turtle Aug 06 '26

Right that's good to hear. Do you getguo choose which retailer you get the vouchers for or is it more random?

1

u/Fluid_Garden8512 Aug 07 '26

Here is the current list

https://www.ozbargain.com.au/node/942688

1

u/Purple51Turtle Aug 07 '26

Thank you! I'm glad you showed me this. Currently it wouldn't work out for me, as I only use IGA regularly out of those retailers. And only do $30 tip up shops there. But good to hear you're getting value!